Internet Privacy Policy

INTRODUCTION

Desert Commercial Bank understands the importance of protecting the confidentiality of your personal information. When customers place their business with the Bank the expectation is that the Bank will honor their trust with a commitment to privacy. At the same time Desert Commercial Bank wants to offer the variety of financial products and services that the customer needs and which are consistent with the communities that the Bank serves.

Desert Commercial Bank regards confidentiality and protection of customer information as a fundamental responsibility and has adopted this “Privacy Policy” to prevent misuse of our customers’ non-public personal information.

BANK INFORMATION MANAGEMENT PRACTICES

The privacy notice applies to individuals who apply for or obtain a financial product or service from Desert Commercial Bank primarily for personal, family or household purposes, or the individual’s legal representative. The information collected is only for specific business purposes. The bank tells the consumer and customer the reasons for collecting the information and how, and whether, it will be disclosed outside the bank. This information is conveyed when a relationship is initiated and annually in the Privacy Notice to all customers.

INFORMATION WE COLLECT

We collect nonpublic customer information from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from a consumer-reporting agency.

We may share all of the information we collect as described above, as permitted by law.

We do not provide information for the purpose of marketing with other companies.

Should Desert Commercial Bank change this policy, customers will be notified and presented with an opportunity to "opt out."

OUR MAINTENANCE OF ACCURATE INFORMATION

We have procedures in place to help ensure that your financial information is accurate, current, and complete in accordance with commercial standards. Our procedures include steps for responding to customer requests to correct inaccurate information in a timely manner and processes to update information and remove old information if necessary.

LIMITING EMPLOYEE ACCESS TO INFORMATION

Desert Commercial Bank limits access to customers' confidential and private information to employees with legitimate business reasons for knowing such information. We educate our employees about the importance of confidentiality and customer privacy, and we take appropriate disciplinary measures to enforce employee privacy responsibilities.

SECURITY PROCEDURES TO PROTECT INFORMATION

We maintain security standards and procedures to help prevent unauthorized access to confidential information about you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

MAINTAINING CUSTOMER PRIVACY IN BUSINESS RELATIONSHIPS WITH THIRD PARTIES

Whenever we do provide specifically identifiable customer information to a third party, we require that the third party protect the confidentiality of this information and that they adhere to similar "Privacy Principles”. Information may be exchanged in the performance of legitimate business activities, such as:

• Originating, administering, servicing or enforcing a transaction requested or authorized by a customer.
• Servicing or processing a financial product or service requested or authorized by a customer.
• Maintaining or servicing a customer's account.
• Actions to protect the security and confidentiality of a covered entity' s records, such as protecting against fraud, risk control, resolving customer disputes or inquiries, or responding to inquiries from representatives of the customer.
• Responding to inquiries from risk assessment agencies, including rating organizations and insurance companies.
• Conducting business with the institution's accountants, lawyers and other advisors.
• Responding to enforcement actions or examinations arising from responsible government entities.
  Providing data to a consumer-reporting agency in accordance with the Fair Credit Reporting Act.
  Otherwise complying with applicable federal or state laws and regulations.

DISCLOSING OUR PRIVACY COMMITMENT TO YOU

We want to be sure that you understand our commitment to personal privacy and our use of information. Desert Commercial Bank has published these "Privacy Principles" so that our customers may have a better understanding of our commitment to safeguarding confidential and private information.

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about current customers.

SPECIAL INFORMATION APPLICABLE TO ELECTRONIC (INTERNET) BANKING

Desert Commercial Bank's "Privacy Policy" will apply to customer's confidential and private information with regard to both traditional and non-traditional (i.e. Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, Desert Commercial Bank feels it is important for customers to be aware of the unique issues surrounding Internet Banking. Desert Commercial Bank operates a general audience website.

Desert Commercial Bank collects generic information about visitors through our website through the use of "cookies" placed on the visitor's hard-drive. These cookies tie certain information we may track, such as the date and time of access, the activities in which the visitor engages while on our website, the Internet Service Provider's address, the web browser used and other information.

Desert Commercial Bank requires customers to utilize specific passwords for access to confidential and private information. Desert Commercial Bank reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted.

Desert Commercial Bank utilizes encryption, firewall, router, third party verification procedures and other sophisticated security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information. However, no one can guarantee that all of these measures will prevent unauthorized access to our processing system and the data therein.

Desert Commercial Bank utilizes up-to-date computer virus protection software to help prevent the spread of computer viruses. However, we cannot guarantee that we will be able to prevent computer viruses from being spread to those who access our website.

Desert Commercial Bank reminds all of our customers that links in the institution's website may be to websites not under our control. These websites will not necessarily comply with Desert Commercial Bank's "Privacy Policy" and security standards.

Desert Commercial Bank reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities.

Desert Commercial Bank can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Desert Commercial Bank customers believe that confidential and private information has been compromised, please contact Desert Commercial Bank immediately so that the potential breach can be investigated.

NOTIFICATION OF CHANGE

Desert Commercial Bank will notify customers of any changes to our Internet Privacy Policy by posting a prominent message on our Home Page.

CONTACT INFORMATION REGARDING PRIVACY OR CONFIDENTIALITY ISSUES

For any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data, please contact:

Desert Commercial Bank
44-801 Village Court
Palm Desert, California 92260
Phone 760 340-7595, Fax 760 340-7599
Customer Service E-mail

Revised December 16th, 2009.